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Reply to Best FE Carrier for Tobacco?     
Old 08-29-2017, 01:49 PM   #1
Super Genius
 
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Best FE Carrier for Tobacco? Best FE Carrier for Tobacco?
I don't write a lot of FE so I only use a couple of carriers. SNL is 30-40% adder for tobacco

Any carrier out there with far lower premiums?
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Old 08-29-2017, 01:54 PM   #2
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Best FE Carrier for Tobacco? Re: Best FE Carrier for Tobacco?
KSKJ Life...............
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Old 08-29-2017, 02:00 PM   #3
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TwiLight on Best FE Carrier for Tobacco?
 
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Best FE Carrier for Tobacco? Re: Best FE Carrier for Tobacco?
KSKJ stands out as the best usually. Assurity is good also.

You get many other players at around Age 70 that are not more that 5% apart.

Oxford, Assurity, MOO, Foresters.

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  Reply With Quote to Best FE Carrier for Tobacco?
Old 08-29-2017, 02:11 PM   #4
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HoosierLife on Best FE Carrier for Tobacco?
 
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Best FE Carrier for Tobacco? Re: Best FE Carrier for Tobacco?
Trans, SLAC and lifeshield.
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Old 08-29-2017, 04:41 PM   #5
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Best FE Carrier for Tobacco? Re: Best FE Carrier for Tobacco?
Originally Posted by jdeasy View Post
KSKJ Life...............
In which situation is kskj not the best carrier to go with? and if I contract with them through FEX, can they advance or is it still as earned?
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Old 08-29-2017, 04:43 PM   #6
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Best FE Carrier for Tobacco? Re: Best FE Carrier for Tobacco? Labesky is the thread starter for: Best FE Carrier for Tobacco?

Thanks fellas........................
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Old 08-29-2017, 04:44 PM   #7
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TwiLight on Best FE Carrier for Tobacco?
 
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Best FE Carrier for Tobacco? Re: Best FE Carrier for Tobacco?
Originally Posted by BoJax View Post
In which situation is kskj not the best carrier to go with? and if I contract with them through FEX, can they advance or is it still as earned?
you mis-understand..... you have to pay KSKJ in order to write with them.....

Silly agents...
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Old 08-29-2017, 04:46 PM   #8
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Best FE Carrier for Tobacco? Re: Best FE Carrier for Tobacco?
Originally Posted by TwiLight View Post
you mis-understand..... you have to pay KSKJ in order to write with them.....

Silly agents...
I don't get it....
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Old 08-29-2017, 07:18 PM   #9
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Best FE Carrier for Tobacco? Re: Best FE Carrier for Tobacco?
Originally Posted by HideyHo View Post
kskj only sells certificates. total liability to sell that crap to unsuspecting seniours.
How is selling certificates a liability? Whether it's crap or not is a matter of opinion.

Personally I would rather own an RNA, KSKJ, or Foresters certificate than crap like a MoO or AmAm policy. Again, that's opinion.

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Originally Posted by BoJax View Post
In which situation is kskj not the best carrier to go with? and if I contract with them through FEX, can they advance or is it still as earned?
Cancer in the last 4 years. Insulin users. Most of the crazies. Those are just some of things that you probably wouldn't use KSKJ for.

No idea on the advancing. Or even if they are contracting new agents.
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Old 09-04-2017, 03:14 PM   #10
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Best FE Carrier for Tobacco? Re: Best FE Carrier for Tobacco?
Originally Posted by jdeasy View Post
Cancer in the last 4 years. Insulin users. Most of the crazies. Those are just some of things that you probably wouldn't use KSKJ for.

No idea on the advancing. Or even if they are contracting new agents.
Thanks for the info. They seem like a must have.
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